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Credifi · For creditworthy borrowers
Short-term loans for good credit
Compare small loans available through Credifi: a 3-month interest-only loan or 12-month installments, with no prepayment penalty. Available offers depend on your eligibility, approved credit and funding market.
Credifi matches borrowers with onchain lending vaults and services their loans. Credifi is not a lender.
Check your eligibilityChoose a repayment schedule you can manage
A 3-month interest-only loan has a principal payment at maturity, so monthly interest payments do not reduce the amount borrowed. A 12-month installment loan spreads principal and interest across scheduled payments. Compare those obligations with the money you expect to have available.
| Repayment detail | 3-month interest-only | 12-month installments |
|---|---|---|
| Scheduled payments | Monthly interest payments | Scheduled principal and interest payments |
| Principal repayment | Due at the end of the 3-month term | Repaid across the 12-month schedule |
| Balance between payments | Monthly interest payments do not reduce principal | Principal reduces as installments are paid |
| Early repayment | No prepayment penalty | No prepayment penalty |
Compare the final payment as well as the monthly payment
An interest-only schedule requires the principal at maturity in addition to interest. An installment schedule repays principal over time. Review the final payment, due dates and total repayment in your personalized offer; the term alone does not tell you the total cost.
Loan facts
View amounts, rates and eligibility
- Loan amounts
- Borrowing starts at $100, up to your approved available credit, with a platform maximum of $20,000. Limits vary by underwriting and account; not every applicant qualifies for the maximum.
- APR range
- Advertised fixed APRs range from 10% to 15%. Your available rate depends on eligibility and the funding market. Review your personalized APR before accepting a loan.
- Available terms
- Available options include a 3-month interest-only loan and a 12-month installment loan. Options depend on your eligibility and available funding.
- Fees
- No origination fee. No prepayment fee or penalty.
- Eligibility
- Credifi requires a U.S. bank account and qualifying credit history. Credit verification uses a soft check. Approval, credit limits and available terms depend on verification and underwriting; good credit alone does not guarantee a loan.
- Geographic availability
- The bank and credit verification route supports U.S. bank accounts. Availability depends on your location, eligibility route and available funding markets. Check your available offers before borrowing, or contact info@credi.fi about availability in your state or country.
- Repayment flexibility
- For interest-only loans, pay interest monthly and repay the principal at the end of the 3-month term. For installment loans, repay principal and interest over 12 months. You can repay early without a prepayment penalty; review the exact payment dates and amounts in your loan agreement.
- Receiving funds
- Receive funds through a supported bank ACH transfer or crypto wallet. Available methods depend on your account and selected market.
Before you borrow
Review your personalized offer, APR, total repayment and payment schedule before accepting. Borrowing is subject to verification, approval and available funding. Late or missed payments may adversely affect your credit score.
Credifi matches eligible borrowers with onchain lending vaults, verifies eligibility, and services loans. Credifi is not a lender. Loans are funded by the vaults. Your agreement identifies the creditor by its funding vault contract address and blockchain.